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Important Information

The Harbor Capital Advisors model portfolios ("model portfolios") are made available by Harbor Capital Advisors for use by financial professionals. Unless otherwise expressly agreed in writing, the model portfolios are for educational purposes only and do not constitute investment advice or an investment recommendation from Harbor Capital Advisors. The model portfolios are intended for use only by financial professionals as a resource to help build a portfolio or as an input in the development of investment advice for their own clients. Such financial professionals are responsible for making their own independent judgment as to how to use the model portfolios. The performance and characteristics of the model portfolios as implemented by Harbor Capital Advisors may vary materially from those of client accounts managed by financial professionals pursuant to the model portfolios.

For model portfolios comprised of funds, the model portfolios utilize funds sponsored by Harbor Capital Advisors ("affiliated funds"). Harbor Capital Advisors receives compensation from affiliated funds based on the amount of assets in those funds; as a result, Harbor Capital Advisors has an incentive to utilize affiliated funds over other funds. In addition, Harbor Capital Advisors has an incentive to utilize affiliated funds that pay Harbor Capital Advisors higher fees. For model portfolios comprised of individual company securities, the model portfolios utilize individual company securities that may also be held by other products and services offered by Harbor Capital Advisors.

This material is not legal, tax or accounting advice. Please consult with a qualified professional for this type of advice.

All investments are subject to market risk, including the possible loss of principal. Stock prices can fall because of weakness in the broad market, a particular industry, or specific holdings. Bonds may decline in response to rising interest rates, a credit rating downgrade or failure of the issue to make timely payments of interest or principal. International investments can be riskier than U.S. investments due to the adverse effects of currency exchange rates, differences in market structure and liquidity, as well as specific country, regional, and economic developments. These risks are generally greater for investments in emerging markets. Mutual funds and ETFs holding these types of investments are also subject to these risks. The use of alternative investment strategies and instruments may involve heightened volatility, leverage, liquidity, and counterparty risks, which could result in significant losses and unpredictable performance relative to traditional investments. Diversification and asset allocation do not assure a profit or protect against loss in a declining market.

Certain services are subject to the terms of a contractual agreement between Harbor Capital Advisors and the client.

The information and opinions contained in this material are derived from proprietary and nonproprietary sources deemed by Harbor Capital Advisors to be reliable, but are not guaranteed as to accuracy.

All trademarks or product names mentioned herein are the property of their respective owners. Copyright © 2026 Harbor Capital Advisors, Inc. All rights reserved.

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